Jiayin Group Inc. American Depositary Shares (JFIN)

FairStock Score: 93/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I start with the business: Jiayin connects borrowers and financial institutions in China's online consumer finance market. It is not a wide-moat franchise; it depends on credit cycles, regulation, and partner funding. The numbers present a paradox. At the close on 2026-10-13, the shares were $1.29, with a FairStock-calculated P/E of 1.84, P/B of 0.11, EV/EBITDA of 1.44, and a Graham Number of $17.80, implying a 92.75% margin of safety. The dividend yield is 27.40%, debt is modest at D/E 0.15, and beta is 0.89. Those are deeply discounted statistics.

In plain English: Jiayin Group runs an online lending platform in China, helping connect borrowers with financial institutions. Its latest quarter showed a loss, and some financial health checks look weak, but the stock trades at a very low price compared with its profits and the value of its assets. The price looks cheap on those numbers, though the weak quarter makes that cheapness uncertain.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer